Attorney for Home Insurance Claim Denial and Bad Faith Lawsuits

If your home insurance claim has been denied, it can be a frustrating and overwhelming experience. You may feel like you've been unfairly treated, and that's where an attorney for home insurance claim denial can help.

An attorney specializing in bad faith lawsuits can help you navigate the complex process of appealing your denied claim. They can review the details of your case and determine if your insurance company acted in bad faith.

The insurance company's bad faith can include denying a claim without a valid reason, or delaying payment for an unreasonable amount of time. In some cases, the insurance company may even make lowball offers to settle the claim.

An experienced attorney can help you understand your rights and options, and work to get you the compensation you deserve.

If you're dealing with a home insurance claim denial in Georgia, you need an attorney who understands the state's bad faith laws. The Baer Law Firm is a trusted name in the state, with a proven track record of helping policyholders like you get the compensation they deserve.

The Baer Law Firm is located in Atlanta, and they proudly serve clients throughout the city. If you're struggling with an insurance company that's not holding up its end of the deal, they can be part of the team that helps you get your life back on track.

Some examples of bad faith behavior by insurance companies include refusing to pay a claim without investigating it properly, offering far less than what's reasonable for a claim, and failing to provide a clear explanation for denying a claim.

Here are some red flags to watch out for:

The Baer Law Firm has a deep understanding of Georgia's bad faith laws, which can provide additional damages and attorneys' fees to policyholders who have been treated unfairly. They'll work with you to gather evidence and build a strong case against the insurance company.

Don't let an insurance company's bad faith behavior ruin your life. Contact The Baer Law Firm today to schedule a free, no-risk consultation and take the first step towards getting the compensation you deserve.

A general contractor in Texas was left with a $900,000 bill after a subcontractor's negligence damaged existing materials and work. The subcontractor's insurer refused to pay or defend the claim, instead denying coverage.

The Baer Law Firm successfully obtained a judgment against the subcontractor, then filed suit against the insurer and prevailed, requiring them to pay damages in the amount of $1,000,000 to the general contractor.

Dealing with an insurer that wrongfully denies a claim can be a daunting task, but a skilled attorney can make all the difference. To prove bad faith, your attorney will need to gather evidence of the insurer's tactics and motives, often recorded in internal memos and emails.

Here's a step-by-step breakdown of how your attorney can help:

Your attorney will also document your communications with the insurer, create a timeline for your claim, assess the reasonableness of any settlement offers, and investigate whether the insurer has any complaints filed against it.

Homeowners' insurance is crucial to protect your most important investment, your home. It insures your home's structure and belongings in case of a destructive event like a fire or burglary.

A home is typically your most valuable possession, so it's essential to protect it to maintain its value over the years. Unfortunately, insurance companies often employ strategies to avoid paying out claims.

If your insurance agency is denying your claim, you may need professional help to navigate the situation. The Oklahoma City insurance dispute attorneys at Cunningham & Mears can evaluate your case and discuss the benefits you're entitled to under your policy.

Fighting insurance claims can be complex, and many homeowners may not have the necessary expertise to handle coverage issues and negotiations with the insurance company. Attorneys like those at Cunningham & Mears can work and negotiate with the insurance company on your behalf.

Just the threat of legal action can sometimes be enough to get your insurance company to settle for the amount they owe you. However, if necessary, experienced attorneys will fight in court to secure you the money you deserve to rebuild your home and move forward with your life.

Residential insurance is a crucial aspect of homeownership, protecting you against various damages and liabilities. Every homeowners' policy is unique, but generally, they'll protect you against fire and smoke damage, falling trees, burst pipes, wind damage, hail damage, damage from the weight of snow or ice, and explosions.

Typical residential insurance policies also cover falling objects, theft of possessions or property, vandalism, personal liability lawsuits, premises liability lawsuits, and riots/civil commotion. Some policies may also cover flood, hurricane, tornado, or earthquake damage, but not all do.

It's essential to read your policy carefully, including the fine print, to understand what's covered and what's not. For example, if you live in an area prone to natural disasters like Oklahoma, you might want to consider purchasing separate insurance to cover your home.

Here are some examples of what's typically covered in a residential insurance policy:

If an insurance company fails to provide coverage or pay out for a legitimate claim, it's considered bad faith. This can happen at any point in the claim review/payment process and may take many different forms.

If your insurance company denies your claim, don't panic. You have options. In Georgia, for example, the bad faith statute allows policyholders to receive additional damages and attorneys' fees when an insurer denies a claim in bad faith. This can include situations like refusing to pay a claim without initiating a proper investigation, offering far less for a claim than anyone would reasonably expect, or failing to offer a fair explanation when denying a claim.

Document everything. Take detailed notes of phone conversations, photograph damage and repairs, and keep track of every expense related to your home and property damage. This will help you build a strong case against the insurer. If necessary, consider hiring an attorney who specializes in insurance disputes.

If the insurer is using bad-faith tactics, such as refusing to investigate a claim, denying coverage on a legitimate claim, or delaying payment, you may be able to pursue additional damages. In Texas, for instance, insurers must follow the terms of their policies and state insurance laws that require them to investigate all claims and pay those that are valid. If they deny claims simply to avoid paying insurance benefits, they can become liable to the claimant.

Common Bad Faith Tactics:

If you're facing a situation where your insurance company is refusing to settle a claim within policy limits, you may have a negligent failure to settle claim on your hands. This is a serious issue that can put your personal assets at risk.

In Georgia, insurance companies have a duty to protect their policyholders from legal liability by settling claims within policy limits when they have a reasonable opportunity to do so. If they fail to do so, it can lead to unnecessary lawsuits and liability in excess of coverage.

Some examples of situations that may give rise to a negligent failure to settle claim include refusing to pay a fair amount to resolve a claim even when liability is clear, or canceling or threatening to cancel your insurance after you've refused to accept a low offer. These actions can be devastating for individuals and families who are already dealing with the aftermath of an accident or injury.

Here are some key points to keep in mind:

If you believe your insurance company has engaged in a negligent failure to settle, it's essential to seek the help of an experienced attorney who can guide you through the process and help you recover the compensation you deserve.

If an insurer thinks you're not being truthful about your claim, they may ask you to submit to an Examination Under Oath. This is essentially like testifying in a court of law, but in an office setting.

An Examination Under Oath can be intimidating, and it's often a tactic used by insurers to delay or deny coverage. Practically all insurance policies give the insurer the right to conduct one of these examinations.

You should never submit to an Examination Under Oath without excellent legal representation. This is because insurers may use the questioning to find a reason to deny your claim.

For example, if you've filed a claim for a home fire, the insurer may try to suggest that you intentionally set the fire. Don't let them get away with it – get a lawyer who knows what they're doing.

If you're facing a Declaratory Judgment Action, it means the insurer is trying to get a court to declare that your insurance policy doesn't cover your claim. This is a lawsuit filed by the insurer against you and the injured party.

Here are some types of cases where you may face an Examination Under Oath or a Declaratory Judgment Action:

If your insurance company is denying your claim, it's essential to take immediate action to protect your rights. Document all interactions with the insurance representative, including phone conversations, emails, and in-person meetings.

You should also photograph everything related to the damage, including your property, repairs, and any correspondence with the insurance company. This will help you keep track of the progress and ensure that you have a record of everything.

Cut all communication with the insurance representative after hiring an attorney, as anything you say could jeopardize your case. Your lawyer will act as your representative and protect your best interests.

In some states, like Georgia, you may be entitled to additional damages and attorneys' fees if the insurer acts in bad faith. This can include refusing to pay a claim without initiating a proper investigation, offering far less than expected, or failing to provide a fair explanation for denying a claim.

Some examples of bad faith tactics include refusing to investigate a claim, denying coverage on a legitimate claim, or misrepresenting the meaning of a contract's language. If you feel you're being treated unfairly, document your interactions with the insurer and talk to a lawyer.

Here are some common signs of bad faith:

If you're dealing with denial, it's crucial to seek the help of an experienced insurance dispute attorney. They can help you navigate the process, protect your rights, and ensure that you receive the compensation you deserve.